Patents by Inventor Sanjeev Dheer
Sanjeev Dheer has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Publication number: 20120245983Abstract: Embodiments described herein include an electronic transaction service network (also referred to herein as a centralized electronic transaction (CET) service) According to an embodiment, a financial management system hosts multiple CET web sites on behalf of multiple merchants. All transactions through any CET web site are executed and managed by the financial management system. Merchants may customize their web sites to include a branded look and feel. The merchant web sites are part of a CET service for which customer can register. Registered customers can then view and pay invoices from any merchants having CET web sites, whether purchases were made online or offline. Customers specify preferences for the CET service including choosing existing customer accounts from which the financial management system is to pay invoices on behalf of the customer. This eliminates the need for the customer to open and fund a separate payment account as in traditional methods.Type: ApplicationFiled: June 4, 2012Publication date: September 27, 2012Applicant: FISERV, INC.Inventors: Behram Panthaki, Aaron Rudenstine, Jeremy Sokolic, Amir Sunderji, Sanjeev Dheer, Neil Platt, Demetris Papademetriou
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Patent number: 8266065Abstract: A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or received from another financial data source. The user's ability to access the account is authenticated based on the obtained information.Type: GrantFiled: November 30, 2007Date of Patent: September 11, 2012Assignee: Cashedge, Inc.Inventors: Venkatachari Dilip, Sanjeev Dheer, Amir Sunderji, Param Singh
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Patent number: 8255336Abstract: A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or received from another financial data source. The user's ability to access the account is authenticated based on the obtained information.Type: GrantFiled: November 30, 2007Date of Patent: August 28, 2012Assignee: Cashedge, Inc.Inventors: Venkatachari Dilip, Sanjeev Dheer, Amir Sunderji, Param Singh
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Patent number: 8249983Abstract: A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or received from another financial data source. The user's ability to access the account is authenticated based on the obtained information.Type: GrantFiled: December 31, 2001Date of Patent: August 21, 2012Assignee: Cashedge, Inc.Inventors: Venkatachari Dilip, Sanjeev Dheer, Amir Sunderji, Param Singh
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Patent number: 8229850Abstract: A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or received from another financial data source. The user's ability to access the account is authenticated based on the obtained information.Type: GrantFiled: November 30, 2007Date of Patent: July 24, 2012Assignee: CashEdge, Inc.Inventors: Venkatachari Dilip, Sanjeev Dheer, Amir Sunderji, Param Singh
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Publication number: 20120089500Abstract: A delegated authority system allows an account holder to delegate authority to one or more individuals, such as financial advisors through a third party service. An individual receives authority to access financial accounts and/or access aggregated financial data. The individual may then retrieve account information from the individual accounts or from the aggregated financial data. In on exemplary system, the account information is accessed via the Internet or another data communication network.Type: ApplicationFiled: December 16, 2011Publication date: April 12, 2012Applicant: FISERV, INC.Inventors: Sanjeev Dheer, Venkatachari Dilip, Roy Messing, Jeremy Sokolic, Manu Sareen, Gautam Sinha
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Publication number: 20120084205Abstract: Embodiments of the person-to-person (P2P) payment system and method described herein include a payor (“sender”) who is a member of a P2P payment network initiating a payment transaction by specifying an identity of a payee (“receiver”) to receive funds and a source value form. The identity of the receiver comprises an email address or a telephone number, to name two examples. The receiver may or may not be in the P2P payment network. The receiver may choose a destination account and destination value form for the funds. The destination account need not be in the P2P network. The destination value form need not be the same as the source value form.Type: ApplicationFiled: October 3, 2011Publication date: April 5, 2012Inventors: Sanjeev Dheer, David Cooper
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Patent number: 8086508Abstract: A delegated authority system allows an account holder to delegate authority to one or more individuals, such as financial advisors through a third party service. An individual receives authority to access financial accounts and/or access aggregated financial data. The individual may then retrieve account information from the individual accounts or from the aggregated financial data. In on exemplary system, the account information is accessed via the Internet or another data communication network.Type: GrantFiled: April 26, 2002Date of Patent: December 27, 2011Assignee: CashEdge, Inc.Inventors: Sanjeev Dheer, Venkatachari Dilip, Roy Messing, Jeremy Sokolic, Manu Sareen, Gautam Sinha
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Publication number: 20110313921Abstract: A method and apparatus for internetworking multiple person-to-person (P2P) payment networks and financial institutions is disclosed.Type: ApplicationFiled: December 14, 2010Publication date: December 22, 2011Inventors: Sanjeev Dheer, Behram Panthaki, Krishna Bhagavatula, David Cooper, Neil Platt, Tammi Shapiro, Gregg Smelker
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Publication number: 20110264583Abstract: An inter-bank email and mobile invoicing network is disclosed. Embodiments disclosed herein include an inter-bank email and mobile invoicing network that enables customers of banks or independent portals to send invoices to an email address or mobile phone number. The invoice can be received by the recipient within their bank's online or mobile banking site, in the case of banks that belong to a network that is managed by the proprietors of a financial management system and payment hub as disclosed herein. These banks will be referred to as “network banks” herein. The inter-bank invoicing network also refers to a common provider or connected providers of an invoicing and payment service that is linked to banks and to independent service providers.Type: ApplicationFiled: April 22, 2011Publication date: October 27, 2011Inventors: David Cooper, Sanjeev Dheer, Krishna Bhagavatula, Catherine Palmieri, John Lovelett
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Patent number: 7873677Abstract: Data is captured from a web site or other data source. Data is extracted from the web page using a data harvesting script or other data acquisition routine. The extracted data is then normalized and stored in a database. If data cannot be extracted from the web page, a copy of the captured web page is stored without personal information contained in the web page. The data harvesting script is then edited based on an analysis of the captured web page.Type: GrantFiled: August 22, 2005Date of Patent: January 18, 2011Assignee: Cashedge, Inc.Inventors: Roy Messing, Jeremy N. Sokolic, Sanjeev Dheer, Venkatachari Dilip
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Patent number: 7797207Abstract: A system analyzes multiple financial accounts having a common account holder and identifies a particular attribute, such as interest rate, associated with each of the multiple financial accounts. The system then makes a determination regarding whether an adjustment of funds among the multiple financial accounts would benefit the account holder. If the adjustment of funds would benefit the account holder, then recommending the adjustment of funds to the account holder and offering to perform the recommended adjustment of funds. The system executes the adjustment of funds if the account holder accepts the offer to perform the recommended adjustment of funds.Type: GrantFiled: July 24, 2000Date of Patent: September 14, 2010Assignee: CashEdge, Inc.Inventors: Venkatachari Dilip, Sanjeev Dheer
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Publication number: 20100042538Abstract: Embodiments of the invention include an electronic payment system that allows person-to-person (P2P) payments and requests for payment, consumer-to-consumer (C2C) payments and requests for payment, and use of a P2P service by a business which in turn offers the service to its customers for making payments and requests for payment. The system and service allow users to make payments from their existing financial accounts to anyone, anywhere without funding a special account and managing a third-party relationship separate from the relationship the user has with the financial institution. The service further allows users to receive payments without registering for a third-party service. In embodiments, the service is available as an integrated banking service alongside current financial institution electronic banking services already used by customers. A bank customer can use the payment service directly from within a bank or bank web site.Type: ApplicationFiled: August 18, 2009Publication date: February 18, 2010Inventors: Sanjeev Dheer, Krishna Bhagavatula, Behram Panthaki
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Publication number: 20100042539Abstract: Embodiments of the invention include an electronic payment system that allows person-to-person (P2P) payments and requests for payment, consumer-to-consumer (C2C) payments and requests for payment, and use of a P2P service by a business which in turn offers the service to its customers for making payments and requests for payment. The system and service allow users to make payments from their existing financial accounts to anyone, anywhere without funding a special account and managing a third-party relationship separate from the relationship the user has with the financial institution. The service further allows users to receive payments without registering for a third-party service. In embodiments, the service is available as an integrated banking service alongside current financial institution electronic banking services already used by customers. A bank customer can use the payment service directly from within a bank or bank web site.Type: ApplicationFiled: August 18, 2009Publication date: February 18, 2010Inventors: Sanjeev Dheer, Krishna Bhagavatula, Behram Panthaki
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Patent number: 7657761Abstract: A user is presented with multiple modes of operation, such that the multiple modes of operation define different trust options for handling data (such as login credentials or other sensitive data) associated with the user. A selection of one of the multiple modes of operation is received from the user. Data associated with the user is handled in accordance with the selected mode of operation.Type: GrantFiled: March 5, 2007Date of Patent: February 2, 2010Assignee: CashEdge, Inc.Inventors: Jeremy N. Sokolic, Sanjeev Dheer, Venkatachari Dilip
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Publication number: 20090292632Abstract: A compliance monitoring system and method identifies an individual or entity to be monitored for account compliance and receives account information associated with the individual or entity. The compliance monitoring system and method obtains holdings in the account and determines whether the holdings in the account comply with a predetermined rule.Type: ApplicationFiled: April 10, 2009Publication date: November 26, 2009Applicant: CASH EDGE, INC.Inventors: Sanjeev Dheer, Jeremy N. Sokolic
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Patent number: 7536340Abstract: A compliance monitoring system and method identifies an individual or entity to be monitored for account compliance and receives account information associated with the individual or entity. The compliance monitoring system and method obtains holdings in the account and determines whether the holdings in the account comply with a predetermined rule.Type: GrantFiled: December 18, 2003Date of Patent: May 19, 2009Assignee: CashEdge, Inc.Inventors: Sanjeev Dheer, Jeremy N. Sokolic
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Patent number: 7505937Abstract: A withdrawal of assets is initiated from a first account at a first financial institution. A deposit of the assets withdrawn from the first account is initiated to a second account at a second financial institution. The first account and the second account have a common account holder. The withdrawal and deposit of assets may be initiated after analyzing multiple accounts of the account holder and determining whether an adjustment of funds among the multiple accounts would benefit the account holder. A debit instruction is used to initiate the withdrawal of assets and a credit instruction is used to initiate the deposit of the withdrawn assets. The withdrawal and deposit of assets can be implemented using one or more payment networks, debit networks, or a wire transfer between the two financial institutions.Type: GrantFiled: January 25, 2007Date of Patent: March 17, 2009Assignee: CashEdge, Inc.Inventors: Venkatachari Dilip, Sanjeev Dheer
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Publication number: 20080288400Abstract: Embodiments described herein include an electronic transaction service network (also referred to herein as a centralized electronic transaction (CET) service)=According to an embodiment, a financial management system hosts multiple CET web sites on behalf of multiple merchants. All transactions through any CET web site are executed and managed by the financial management system. Merchants may customize their web sites to include a branded look and feel. The merchant web sites are part of a CET service for which customer can register. Registered customers can then view and pay invoices from any merchants having CET web sites, whether purchases were made online or offline. Customers specify preferences for the CET service including choosing existing customer accounts from which the financial management system is to pay invoices on behalf of the customer. This eliminates the need for the customer to open and fund a separate payment account as in traditional methods.Type: ApplicationFiled: April 24, 2008Publication date: November 20, 2008Applicant: CashEdge, Inc.Inventors: Behram Panthaki, Aaron Rudenstine, Jeremy Sokolic, Amir Sunderji, Sanjeev Dheer, Neil Platt, Demetris Papademetriou
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Publication number: 20080288376Abstract: Embodiments described herein include an electronic transaction service network (also referred to herein as a centralized electronic transaction (CET) service). In another embodiment, a financial management system hosts a “central payment hub” version of the CET service. The central payment hub is an industrial utility in that multiple financial institutions all participate in a central service that can be offered to their respective customers. All of the customers (both individuals and small businesses) of the various institutions come to one consolidated payment hub. For example a Bank of America invoice can come into the payment hub, and a Wells Fargo invoice can come into the payment hub. The payment hub is a shared utility across multiple financial institutions. The payment hub features a single registration at the payment hub across all of the participating financial institutions.Type: ApplicationFiled: April 24, 2008Publication date: November 20, 2008Applicant: CASHEDGE, INC.Inventors: Behram Panthaki, Aaron Rudenstine, Jeremy Sokolic, Amir Sunderji, Sanjeev Dheer, Neil Platt, Demetris Papademetriou